{"id":552,"date":"2026-10-03T14:38:55","date_gmt":"2026-10-03T13:38:55","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/ipotek-apr\/"},"modified":"2026-10-03T14:38:55","modified_gmt":"2026-10-03T13:38:55","slug":"ipotek-apr","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/","title":{"rendered":"\u0130potek APR Hesaplama Arac\u0131"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">\u0130potek Y\u0131ll\u0131k Maliyet Oran\u0131 (APR) Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"552\" data-favorite-title=\"\u0130potek APR\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\" data-favorite-excerpt=\"Nominal faiz oran\u0131n\u0131 kapan\u0131\u015f maliyetleri ve indirim puanlar\u0131yla birle\u015ftirerek ipote\u011fin ger\u00e7ek Y\u0131ll\u0131k Maliyet Oran\u0131n\u0131 (APR) tahmin edin. Kredi tutar\u0131n\u0131, oran\u0131n\u0131, vadesini, \u00fccretleri ve puanlar\u0131 girerek \u00f6d\u00fcn\u00e7 alman\u0131n ger\u00e7ek maliyetini g\u00f6r\u00fcn.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\" method=\"POST\" class=\"calculator\" id=\"calculator-552\" data-post=\"552\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">\u0130potek\/Kredi Tutar\u0131<\/label><div class=\"term\">L<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"potekkredi_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Toplam ipotek veya kredi tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Y\u0131ll\u0131k Faiz Oran\u0131<\/label><div class=\"term\">R<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Kredi Vadesi<\/label><div class=\"term\">N<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"kredi_vadesi\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">Kredi vadesini girin (y\u0131l)<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">Toplam Kapan\u0131\u015f Masraflar\u0131<\/label><div class=\"term\">F<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"toplam_kapan_masraflar\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><small id=\"calc-info-4\">Toplam kapan\u0131\u015f masraflar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-5\"><label for=\"field-5\">\u00d6denen Puan Say\u0131s\u0131<\/label><div class=\"term\">Puan<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"denen_puan_says\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><small id=\"calc-info-5\">\u00d6denen puan say\u0131s\u0131n\u0131 girin (y\u00fczde)<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"552\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Y\u0131ll\u0131k Y\u00fczde Oran\u0131 (APR)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"552\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Bu sonu\u00e7 hakk\u0131nda ne d\u00fc\u015f\u00fcn\u00fcyorsunuz?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Be\u011fendim <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Faydal\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Kafam kar\u0131\u015ft\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Hayal k\u0131r\u0131kl\u0131\u011f\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Hatal\u0131 <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>\u0130potek APR Form\u00fcl\u00fc<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ APR \\approx R + \\left( \\frac{F + L \\times \\frac{Points}{100}}{L} \\right) \\times 100 \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(APR\\) \u2014 Y\u0131ll\u0131k Maliyet Oran\u0131, y\u00fczde olarak ifade edilir<\/li>\n<li>\\(R\\) \u2014 nominal y\u0131ll\u0131k faiz oran\u0131 (%)<\/li>\n<li>\\(L\\) \u2014 ipotek veya kredi tutar\u0131 ($)<\/li>\n<li>\\(F\\) \u2014 toplam kapan\u0131\u015f maliyetleri ve \u00fccretler ($)<\/li>\n<li>\\(Points\\) \u2014 \u00f6denen indirim puanlar\u0131, kredi tutar\u0131n\u0131n y\u00fczdesi olarak<\/li>\n<\/ul>\n<p>Bu form\u00fcl, kredinin tek seferlik maliyetlerini \u2014 kapan\u0131\u015f maliyetleri ve indirim puanlar\u0131, ikisi de \u00f6d\u00fcn\u00e7 al\u0131nan tutar\u0131n y\u00fczdesi olarak \u2014 nominal faiz oran\u0131n\u0131n \u00fczerine ekler. Sonu\u00e7, ipote\u011fin ger\u00e7ek y\u0131ll\u0131k maliyetini yakla\u015f\u0131\u0131k olarak verir.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>\u0130potek APR \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 300.000 $ tutar\u0131nda, %5 y\u0131ll\u0131k faiz oranl\u0131 ve 30 y\u0131l vadeli bir ipotek al\u0131yorsunuz; toplam 5.000 $ kapan\u0131\u015f maliyeti \u00f6d\u00fcyor ve 1 indirim puan\u0131 sat\u0131n al\u0131yorsunuz (kredi tutar\u0131n\u0131n %1'i).<\/p>\n<p>\\[ \\text{Closing costs as a rate} = \\frac{5000}{300000} \\times 100 = 1.667\\% \\]<\/p>\n<p>\\[ APR = 5 + 1.667 + 1 = 7.667\\% \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> tahmini APR yakla\u015f\u0131k %7,667'dir ve ilan edilen %5 oran\u0131n\u0131n olduk\u00e7a \u00fczerindedir; \u00e7\u00fcnk\u00fc \u00fccretler ve puanlar kredinin maliyetine 2,667 y\u00fczde puan\u0131 ekler.<\/p>\n<p>\n\r\n<\/section>\n<h2>\u0130potek APR Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>\u0130potek\/Kredi Tutar\u0131n\u0131<\/strong> girin \u2014 \u00f6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z toplam tutar\u0131.<\/li>\n<li><strong>Y\u0131ll\u0131k Faiz Oran\u0131n\u0131<\/strong> girin \u2014 kredi vereninizin bildirdi\u011fi nominal (ilan edilen) oran\u0131.<\/li>\n<li><strong>Kredi Vadesini<\/strong> y\u0131l olarak girin \u2014 ipote\u011fin s\u00fcresini.<\/li>\n<li><strong>Toplam Kapan\u0131\u015f Maliyetlerini<\/strong> girin \u2014 dosya olu\u015fturma, ekspertiz, tapu ve kredi onay \u00fccretleri gibi t\u00fcm pe\u015fin \u00fccretleri.<\/li>\n<li><strong>\u00d6denen Puan Say\u0131s\u0131n\u0131<\/strong> girin \u2014 kredi tutar\u0131n\u0131n y\u00fczdesi olarak indirim puanlar\u0131 (1 puan = %1).<\/li>\n<li><strong>Y\u0131ll\u0131k Maliyet Oran\u0131n\u0131 (APR)<\/strong> okuyun \u2014 \u00fccretler ve puanlar dahil, ipote\u011finizin tahmini ger\u00e7ek y\u0131ll\u0131k maliyeti.<\/li>\n<\/ol>\n<h2>\u0130potek APR'si Nedir ve Neden \u00d6nemlidir<\/h2>\n<p>Y\u0131ll\u0131k maliyet oran\u0131 (APR), tek ba\u015f\u0131na faiz oran\u0131na k\u0131yasla \u00f6d\u00fcn\u00e7 alman\u0131n maliyetini daha kapsaml\u0131 bir \u00f6l\u00e7\u00fcd\u00fcr. Faiz oran\u0131 ayl\u0131k \u00f6demenizi belirlerken, APR ayr\u0131ca krediyi alman\u0131n pe\u015fin maliyetlerini \u2014 kapan\u0131\u015f maliyetleri ve indirim puanlar\u0131 \u2014 da katar ve her \u015feyi tek bir y\u0131ll\u0131k y\u00fczde olarak ifade eder. Amerika Birle\u015fik Devletleri'nde kredi verenler, bor\u00e7lular\u0131n teklifleri e\u015fit ko\u015fullarda kar\u015f\u0131la\u015ft\u0131rabilmesi i\u00e7in tam da bu nedenle APR'yi Truth in Lending Act (Ger\u00e7ek \u00d6d\u00fcn\u00e7 Verme Yasas\u0131) kapsam\u0131nda a\u00e7\u0131klamakla y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n<p>APR'nin \u00f6nemi \u015furadad\u0131r: ayn\u0131 faiz oran\u0131na sahip iki ipotek \u00e7ok farkl\u0131 toplam maliyetlere sahip olabilir. %5 oran ve 10.000 $ \u00fccreti olan bir kredi, en az\u0131ndan ilk y\u0131llarda, %5,25 oranl\u0131 ve \u00fccretsiz bir krediden daha pahal\u0131d\u0131r. APR bu fark\u0131 ortaya \u00e7\u0131kar\u0131r: kredi tekliflerini kar\u015f\u0131la\u015ft\u0131r\u0131rken APR genellikle daha d\u00fcr\u00fcst say\u0131d\u0131r, buna kar\u015f\u0131l\u0131k ilan edilen oran ayl\u0131k \u00f6demenizi belirleyen say\u0131d\u0131r.<\/p>\n<p>Sonucu yorumlarken yararl\u0131 bir kural: APR ile nominal oran aras\u0131ndaki fark ne kadar b\u00fcy\u00fckse, pe\u015fin maliyetlerde o kadar fazla \u00f6d\u00fcyorsunuz demektir. 0,5 y\u00fczde puan\u0131 veya daha d\u00fc\u015f\u00fck bir fark g\u00f6rece ucuz bir finansmana i\u015faret eder; 1,5 puan veya \u00fczeri bir fark, yukar\u0131daki \u00f6rnekte oldu\u011fu gibi, \u00f6nemli d\u00fczeyde \u00fccret bulundu\u011funu g\u00f6sterir. Y\u00fcksek \u00fccretli ve d\u00fc\u015f\u00fck oranl\u0131 bir kredinin daha iyi olup olmad\u0131\u011f\u0131, ipote\u011fi ne kadar s\u00fcre elinizde tuttu\u011funuza ba\u011fl\u0131d\u0131r \u2014 \u00fccretler APR hesaplamas\u0131nda t\u00fcm vadeye yay\u0131l\u0131r, bu nedenle erken satarsan\u0131z veya yeniden finanse ederseniz bu \u00fccretlerin etkin maliyeti APR'nin g\u00f6sterdi\u011finden daha y\u00fcksek olur.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Basitle\u015ftirilmi\u015f tahmin.<\/strong> Bu hesaplama arac\u0131, \u00fccretleri ve puanlar\u0131 nominal orana tek seferlik bir y\u00fczde olarak ekleyen bir yakla\u015f\u0131kl\u0131k kullan\u0131r. Kredi verenlerin yasal olarak a\u00e7\u0131klamak zorunda oldu\u011fu APR, maliyetleri \u00f6deme plan\u0131 boyunca itfa eden akt\u00fceryal bir y\u00f6ntem kullan\u0131r; bu nedenle kredi verenicinizin rakam\u0131 biraz farkl\u0131 olabilir \u2014 genellikle bu tahminden biraz daha yak\u0131n olur.<\/li>\n<li><strong>Kredi vadesi ger\u00e7ek APR'yi etkiler.<\/strong> \u00dccretler resm\u00ee hesaplamada vade boyunca yay\u0131ld\u0131\u011f\u0131ndan, ayn\u0131 \u00fccretler 15 y\u0131ll\u0131k bir kredide 30 y\u0131ll\u0131k bir krediden daha y\u00fcksek etkin APR \u00fcretir. Bu hesaplama arac\u0131 vadeyi referans olarak tutar, ancak sonu\u00e7ta maliyetleri itfa etmez.<\/li>\n<li><strong>Kapan\u0131\u015f maliyetine neler dahildir.<\/strong> Kredi verenin \u00fccretlerini (dosya olu\u015fturma, onay, puanlar) ve \u00e7o\u011fu \u00fc\u00e7\u00fcnc\u00fc taraf \u00fccretini (ekspertiz, tapu sigortas\u0131, emanet) dahil edin. Resm\u00ee APR'de ekspertiz veya denetim \u00fccretleri gibi baz\u0131 kalemler hari\u00e7 tutulur; bu da kredi verenicinizin APR'sinin farkl\u0131 olmas\u0131n\u0131n bir ba\u015fka nedenidir.<\/li>\n<li><strong>APR ile ayl\u0131k \u00f6deme.<\/strong> Ayl\u0131k \u00f6demenizi tahmin etmek i\u00e7in APR'yi kullanmay\u0131n \u2014 o bir kar\u015f\u0131la\u015ft\u0131rma arac\u0131d\u0131r, \u00f6deme temeli de\u011fildir. Bunun i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">\u0130potek \u00d6deme Hesaplama Arac\u0131n\u0131<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplama Arac\u0131n\u0131<\/a> kullan\u0131n.<\/li>\n<li><strong>Puan dengesi.<\/strong> \u0130ndirim puan\u0131 sat\u0131n almak faiz oran\u0131n\u0131z\u0131 d\u00fc\u015f\u00fcr\u00fcr ama k\u0131sa vadede APR'yi y\u00fckseltir. Bunun k\u00e2rl\u0131 olup olmad\u0131\u011f\u0131 ba\u015faba\u015f noktan\u0131za ba\u011fl\u0131d\u0131r \u2014 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-iskonto-puani\/\">\u0130potek \u0130ndirim Puan\u0131 Hesaplama Arac\u0131na<\/a> bak\u0131n.<\/li>\n<li><strong>Benzzerleri kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/strong> APR kar\u015f\u0131la\u015ft\u0131rmalar\u0131, ayn\u0131 t\u00fcr ve vadeli krediler aras\u0131nda en anlaml\u0131d\u0131r. 30 y\u0131ll\u0131k sabit APR, do\u011frudan bir 5\/1 ARM APR'siyle kar\u015f\u0131la\u015ft\u0131r\u0131lmamal\u0131d\u0131r; \u00e7\u00fcnk\u00fc ARM'nin APR'si, sabit d\u00f6nemden sonra oran\u0131n sabit kald\u0131\u011f\u0131n\u0131 varsayar.<\/li>\n<\/ul>\n<h2>Tipik Kapan\u0131\u015f Maliyetleri Referans\u0131<\/h2>\n<p>ABD'de kapan\u0131\u015f maliyetleri genellikle kredi tutar\u0131n\u0131n %2 ile %5'i aras\u0131ndad\u0131r. A\u015fa\u011f\u0131daki tablo, <strong>Toplam Kapan\u0131\u015f Maliyetleri<\/strong> alan\u0131na nelerin girdi\u011fi hakk\u0131nda kabaca bir fikir verir:<\/p>\n<table>\n<thead>\n<tr>\n<th>Maliyet kalemi<\/th>\n<th>Tipik aral\u0131k<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Kredi dosya olu\u015fturma \u00fccreti<\/td>\n<td>Kredi tutar\u0131n\u0131n %0,5 \u2013 %1'i<\/td>\n<\/tr>\n<tr>\n<td>Ekspertiz<\/td>\n<td>300 $ \u2013 600 $<\/td>\n<\/tr>\n<tr>\n<td>Tapu ara\u015ft\u0131rmas\u0131 ve sigortas\u0131<\/td>\n<td>700 $ \u2013 2.000 $<\/td>\n<\/tr>\n<tr>\n<td>Kredi onay ve i\u015fleme<\/td>\n<td>500 $ \u2013 1.500 $<\/td>\n<\/tr>\n<tr>\n<td>Tescil ve devir \u00fccretleri<\/td>\n<td>100 $ \u2013 1.000 $<\/td>\n<\/tr>\n<tr>\n<td>\u0130ndirim puanlar\u0131 (iste\u011fe ba\u011fl\u0131)<\/td>\n<td>Kredi tutar\u0131n\u0131n puan ba\u015f\u0131na %1'i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ger\u00e7ekten \u00f6demenizi bekledi\u011finiz kalemlerin toplam\u0131n\u0131 girin. H\u00e2l\u00e2 kredi ar\u0131yorsan\u0131z, her kredi vereniciden bir Loan Estimate (Kredi Tahmini) isteyin \u2014 bu belge bu maliyetleri tek tek listeler ve hesaplama arac\u0131n\u0131 tahminlerle de\u011fil ger\u00e7ek rakamlarla doldurman\u0131z\u0131 sa\u011flar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nominal faiz oran\u0131n\u0131 kapan\u0131\u015f maliyetleri ve indirim puanlar\u0131yla birle\u015ftirerek ipote\u011fin ger\u00e7ek Y\u0131ll\u0131k Maliyet Oran\u0131n\u0131 (APR) tahmin edin. Kredi tutar\u0131n\u0131, oran\u0131n\u0131, vadesini, \u00fccretleri ve puanlar\u0131 girerek \u00f6d\u00fcn\u00e7 alman\u0131n ger\u00e7ek maliyetini g\u00f6r\u00fcn.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[75],"class_list":["post-552","post","type-post","status-publish","format-standard","hentry","category-finans","tag-konut-kredisi"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/552","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/comments?post=552"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/552\/revisions"}],"predecessor-version":[{"id":3290,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/552\/revisions\/3290"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=552"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=552"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=552"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}